Pets Best | Pet Insurance Review


out of 5

Number of reviews 7,196

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.8
  • 3.2
  • 4.5
  • Count
  • 23
  • 128
  • 7,196

Updated: January 26, 2024

Founded by veterinarian Dr. Jack Stephens, Pets Best insures cats and dogs in every state and has paid nearly $150 million in claims since 2005. is recommended by veterinarians across the U.S. Learn more about Pets Best plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.

out of 5

POSTED: | BY: K. Middleton

Pays for Itself

My sister is a veterinarian, and she recommends Pets Best to all her clients. She even insisted that I get it for my dog because she knows all too well how much vet care can cost. She was right about the expense, and right about Pets Best. I've gotten almost as much back in claims as I have paid in monthly dues (even though my dog is active and healthy), and filing a claim with Pets Best couldn't be easier.

out of 5

POSTED: | BY: Michele

Better than my human insurance!

I inherited Bailey, a 9 year old mini dachshund, when my mom died and the first thing I did was look into insurance for him. After comparing various providers, I found that Pets Best was the only one willing to insure a dog over 7 that had a history of seizures from over 5 years ago. I took out the insurance for my piece of mind, but quickly found I needed it when Bailey went through a series of ailments and mishaps, including a broken toe! The real challenge came a couple months ago when he was diagnosed with kidney stones, hypercalcemia, and hyperparathyroidism. Over the last six weeks, he has undergone a series of treatments and surgeries to correct the situation and the vet bills were astronomical. After all the trips to the vet, he is now recovered from his ailments and was given a clean bill of health! I am happy to report that within 24 hours of submitting my claim for reimbursement, I received an e-mail informing me the claim was approved and I would receive a check within 7-10 working days. I couldn't be happier with this company and highly recommend them to anyone who owns pets.

out of 5

POSTED: | BY: Claire Turbold

Watch out for incident limits

I had a Pets Best policy for 3 years. My wonderful boy has allergies and will have to have them treated for the rest of his life. The per incident amount on the plan is $2500 I used that amount in two years. Pets Best considers the incident to be anytime that problem happens so in reality they only cover chronic conditions up to the limit. I have changed to a VPI plan they won't cover the allergies (they are pre-existing) but they let me know exactly what I am getting and honesty is important to me!

out of 5

POSTED: | BY: Lisa Huber

Outstanding in every way!

I have 3 pets signed up with Pets Best. 2 cats and 1 dog. 2009 has proven to be a very trying year with all 3. The dog had developed a violent cough. After seeing the regular vet he was off to a specialist. $1568 later we have a diagnosis of "allergic chronic bronchitis". Multiple claims were put through for this dog. Every single one was paid at the 80% after deductable. Checks were in my mailbox in less than 10 days. My out of pocket expense? $333. I've called several times with questions and have had great support from the customer service team. The cats have gone back and forth this year with Irritable Intestinal disease. One had to have a barium sweep. Both have cost me hundreds of dollars! Pets Best again paid the 80% after deductable in record speed. No questions asked! I have heard stories from friends and colleagues about other pet insurance companies. I am so glad I went with Pets Best. I have nothing but good to say about this company. Smartest decision I ever made.

out of 5

POSTED: | BY: B. Souder

Very Positive experience with Pets Best Insurance

I have been so impressed with Pets Best Insurance. We have had the policy for over one year and it has been so wonderful to have the peace of mind of having this insurance. We have had to file claims and they are processed effectively and in an fast manner. They have sent us emails stating that they are requesting our dog's medical records so we are aware of what the process is. But most of all beside the professionalism and service every time I call to ask a question they say "How is Maxx?", our dog. We appreciate an company that cares about our dog as much as we do. I would highly recommend this to anyone considering pet insurance.

Monthly Cost

$6 and up, depending on your chosen plan.


Accident and Illness plans with optional reimbursement levels of 70%, 80%, or 90% after the deductible. Flat Rate Accident coverage for $9/month for dogs and $6/month for cats. (Available in most states). Two optional Wellness plans to cover routine care. 24/7 Pet Helpline, powered by whiskerDocs is included on all policies. The pay-out amount is based on your actual vet bill.

Payout Limits

$5000 -Unlimited annual limit, depending on your chosen plan. Unlimited lifetime limits.


$50 – $1,000 annually.

Age Limits

Pet must be at least 7 weeks old to enroll. Pets Best does not restrict coverage or availability for older pets.

Waiting Period

A waiting period refers to the amount of time after enrolling before your pet is eligible for coverage. Waiting periods vary by the type of coverage and start on the effective date of your policy. Once met, waiting periods are waived for continuous, uninterrupted policy renewals. Pets Best offers some of the shortest waiting periods in the industry following the policy effective date. Get a quote for specific information on waiting periods in your state.


Pre-existing conditions are not covered. Elective and preventive procedures are not covered.
Pets Best was founded by veterinarian Dr. Jack Stephens, whose passion for saving pets led him on a mission to provide access to comprehensive, yet affordable, animal healthcare. Pets Best offers pet insurance for dogs and cats in every state and has paid nearly $150 million in claims since 2005. Pets Best is rated 9.6 out of 10 (TrustPilot) and is recommended by veterinarians across the U.S. Built upon a legacy of innovation, it focuses on putting customers first by offering unlimited accident and illness plans, wellness plans, a mobile app, a 24/7 Pet Helpline (powered by whiskerDocs), and more.

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